Resources and Rates

Most people don't exactly love researching rates or using a calculator... But, finding the best situation for you is important. Here is everything in one place to help figure that out.

Briefcase

Boomer Club

Current Rates

Minimum Opening Deposit Dividend Rate Annual Percentage Yield* Minimum Balance to Obtain APY
$1.00 0.05% 0.05% $25.00

Fees

Item SEFCU Fee New York State Bank/Credit Union average fee^
(as of July 2018)

Maintenance

$3/month

$4.74

View Boomer Club details

 

 

 

Mint Savings

Current Rates

Minimum Opening Deposit Dividend Rate Annual Percentage Yield* Minimum Balance to Obtain APY
$1.00 0.05% 0.05% $25.00

Fees

Item SEFCU Fee New York State Bank/Credit Union average fee^
(as of July 2018)

Overdraft Transfer from Savings

$2.50

$8.74

No activity for 12 months (activity can be as simple as depositing $1/month)

$3/month

$6.86/month

View Mint Savings details

 

 

 

Preferred Plus Savings

Current Rates

Average Daily Tier Balances Dividend Rate Annual Percentage Yield** Minimum Balance to Obtain APY
Preferred Plus Savings $0 –$2,499.99 0.05% 0.05% N/A
Preferred Plus Savings $2,500.00 - $9,999.99 0.10% 0.10% $2,500.00
Preferred Plus Savings $10,000 - 24,999.99 0.10% 0.10% $10,000.00
Preferred Plus Savings $25,000 - $49,999.99 0.15% 0.15% $25,000.00
Preferred Plus Savings $50,000 - $99,999.99 0.20% 0.20% $50,000.00
Preferred Plus Savings $100,000–$249,999 0.25% 0.25% $100,000.00
Preferred Plus Savings $250,000–$499,999 0.35% 0.35% $250,000.00
Preferred Plus Savings $500,000–$999,999 0.35% 0.35% $500,000.00
Preferred Plus Savings $1,000,000+ 0.35% 0.35% $1,000,000.00

Fees

Item SEFCU Fee New York State Bank/Credit Union average fee^
(as of July 2018)

Overdraft Transfer

No fee

$8.74

Teller Check

No fee

$6.14

Money Order

No fee

$3.38

Below minimum average daily balance *

$15

N/A

View Preferred Plus Savings details

 

 

 

Preferred Savings

Current Rates

Average Daily Tier Balances Dividend Rate Annual Percentage Yield* Minimum Balance to Obtain APY
Preferred Savings $0 - $2,499.99 0.05% 0.05% $1.00
Preferred Savings $2,500.00 - $9,999.99 0.10% 0.10% $2,500.00
Preferred Savings $10,000.00 - $24,999.99 0.10% 0.10% $10,000.00
Preferred Savings $25,000 –$49,999 0.15% 0.15% $25,000.00
Preferred Savings $50,000.00 and above 0.20% 0.20% $50,000.00

Fees

Item SEFCU Fee New York State Bank/Credit Union average fee***
(as of July 2018)
Overdraft Transfer from Savings $2.50 $8.74
View Preferred Savings details

 

 

 

SEFCU Business Mastercard®

Current Rates

APR for purchases and balance transfers APR FOR CASH ADVANCES
As low as 10.25% As low as 12.25%

Fees

Item Fee
Annual Fee No fee
Balance Transfer Fee No fee
Cash Advance Fee No fee
Foreign Transaction Fee No fee
Late Payment Fee Up to $25
Returned Payment Fee Up to $25
View SEFCU Business Mastercard details

 

 

 

SEFCU Mortgage Services

Mortgage Rates

Mortgage Type Rate Points APR
30 Yr Fixed-Rate (Conforming) 2.750% 0.50% 2.865%
30 Yr Fixed-Rate (Conforming) 2.875% 0.00% 2.952%
20 Yr Fixed-Rate (Conforming) 2.625% 0.50% 2.819%
15 Yr Fixed-Rate (Conforming) 2.125% 0.00% 2.287%
10/1 ARM (Conforming) 2.500% 0.00% 3.459%
5/1 ARM (Conforming) 2.500% 0.00% 4.025%
VA 2.875% 0.00% 3.076%
FHA 2.875% 0.00% 4.410%
USDA 3.000% 0.00% 3.583%

*Rates are based on conforming limits and are subject to change without notice.

Home Mortgage Disclosure Act Notice 

The Home Mortgage Disclosure Act Notice (HMDA) data about our residential mortgage lending is available for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions is now available online. To request HMDA data for calendar years 2017 and forward, please visit the Consumer Financial Protection Bureau’s website (www.consumerfinance.gov/HMDA). To request HMDA data for calendar years prior to 2017, please inquire at this office regarding the locations where HMDA data may be inspected.
SEFCU Mortgage Services Logo

700 Patroon Creek Blvd., Suite 301, Albany, NY 12206. Tel: 800-444-6313. SEFCU Mortgage Services is a wholly owned subsidiary of SEFCU. Licensed Mortgage Banker–NYS Department of Financial Services. NMLS Company ID–309847.